CN107862527A

CN107862527A - A kind of method of payment, terminal and server

Info

Publication number: CN107862527A
Application number: CN201711038118.3A
Authority: CN
Inventors: 相冒见
Original assignee: Shenzhen Jinli Communication Equipment Co Ltd
Current assignee: Shenzhen Jinli Communication Equipment Co Ltd
Priority date: 2017-10-27
Filing date: 2017-10-27
Publication date: 2018-03-30

Abstract

The embodiment of the invention discloses a kind of method of payment, terminal and server, wherein method includes：Obtain payment request information；Payment verification request is sent according to third party supervision account corresponding to the payment account；Wherein, the payment verification asks to be used to ask user corresponding to the third party supervision account to input payment verification information；The payment verification information is used for server and carries out proof of identity to the user；The payment cipher of user's input is obtained, and proof of identity is carried out to the payment cipher；If the verification success notification message that server returns according to the payment verification information is received, and the proof of identity according to the payment request information by then being paid.The embodiment of the present invention can prevent user to be spoofed molecule and mislead progress consumption online by telecommunications or network, reduce consumer's risk, ensure the property safety of user by increasing third party supervision mechanism in payment flow.

Description

A kind of method of payment, terminal and server

Technical field

The present invention relates to electronic technology field, more particularly to a kind of method of payment, terminal and server.

Background technology

On-line payment because of it there is the easily and efficiently advantage that pays to enjoy people to favor.The crowd of various age brackets uses The mobile terminal of networking can be done shopping by on-line payment mode (for example, wechat is paid, Alipay is paid etc.).

In existing on-line payment flow, the payment cipher of terminal-pair user input is verified, and when being verified, Complete to pay.

However, in daily life, network fraud or Telecoms Fraud are becoming increasingly rampant, people are easily spoofed molecule and pass through electricity Letter or network mislead progress consumption online, particularly the elderly and minor easily has dust thrown into the eyes, existing on-line payment Flow is easily caused user by property loss.

The content of the invention

The embodiment of the present invention provides a kind of method of payment, terminal and server, can reduce consumer's risk, ensure user's Property safety.

In a first aspect, the embodiments of the invention provide a kind of method of payment, this method includes：

Obtain payment request information；

Payment verification request is sent according to third party supervision account corresponding to the payment account；

The payment cipher of user's input is obtained, and proof of identity is carried out to the payment cipher；

If the verification success notification message that server returns according to the payment verification information is received, and the identity school Test by then being paid according to the payment request information.

Second aspect, the embodiments of the invention provide a kind of method of payment, this method includes：

Obtain payment verification information corresponding to third party supervision account；

School is carried out to the payment verification information according to benchmark payment verification information corresponding to the third party supervision account Test；

If to the payment verification information checking by sending verification success notification message to the first terminal.

The third aspect, the embodiments of the invention provide a kind of method of payment, this method includes：

Receive the payment verification request that first terminal is sent；

Payment verification information is obtained, and the payment verification information is sent to the server.

Fourth aspect, the embodiments of the invention provide a kind of terminal, the terminal includes：

First acquisition unit, for obtaining payment request information；

First transmitting element, sending payment verification for the third party supervision account according to corresponding to the payment account please Ask；

First proof of identity unit, identity is carried out for obtaining the payment cipher of user's input, and to the payment cipher Verification；

Payment unit, if disappearing for receiving the verification success notification that server returns according to the payment verification information Breath, and the proof of identity according to the payment request information by then being paid.

5th aspect, the embodiments of the invention provide a kind of server, the server includes：

Acquiring unit, for obtaining payment verification information corresponding to third party supervision account；

Verification unit, the payment is tested for the benchmark payment verification information according to corresponding to the third party supervision account Card information is verified；

First notification unit, if for the payment verification information checking by, to the first terminal send school Test success notification message.

6th aspect, the embodiments of the invention provide a kind of terminal, the terminal includes：

Receiving unit, for receiving the payment verification request of first terminal transmission；

Acquiring unit, for obtaining payment verification information；

Transmitting element, for the payment verification information to be sent to the server.

7th aspect, the embodiments of the invention provide another terminal, including processor, input equipment, output equipment and Memory, the processor, input equipment, output equipment and memory are connected with each other, wherein, the memory is used to store branch The computer program that terminal performs the above method is held, the computer program includes programmed instruction, and the processor is configured to use In calling described program instruction, the method for performing above-mentioned first aspect.

Eighth aspect, the embodiments of the invention provide a kind of computer-readable recording medium, the computer-readable storage medium Computer program is stored with, the computer program includes programmed instruction, and described program instruction makes institute when being executed by a processor The method for stating the above-mentioned first aspect of computing device.

9th aspect, the embodiments of the invention provide another server, including processor, input equipment, output equipment And memory, the processor, input equipment, output equipment and memory are connected with each other, wherein, the memory is used to store Terminal is supported to perform the computer program of the above method, the computer program includes programmed instruction, and the processor is configured For calling described program to instruct, the method that performs above-mentioned second aspect.

Tenth aspect, the embodiments of the invention provide a kind of computer-readable recording medium, the computer-readable storage medium Computer program is stored with, the computer program includes programmed instruction, and described program instruction makes institute when being executed by a processor The method for stating the above-mentioned second aspect of computing device.

Tenth on the one hand, and the embodiments of the invention provide another server, including processor, input equipment, output are set Standby and memory, the processor, input equipment, output equipment and memory are connected with each other, wherein, the memory is used to deposit Storage supports terminal to perform the computer program of the above method, and the computer program includes programmed instruction, the processor by with Put for calling described program to instruct, the method for performing the above-mentioned third aspect.

12nd aspect, the embodiments of the invention provide a kind of computer-readable recording medium, the computer storage is situated between Matter is stored with computer program, and the computer program includes programmed instruction, and described program instruction makes when being executed by a processor The method of the above-mentioned third aspect of computing device.

The embodiment of the present invention is supervised by increasing third party supervision mechanism, payment request information in payment flow through third party The person of superintending and directing is paid after confirming, user can be prevented to be spoofed molecule and mislead progress consumption online by telecommunications or network, reduced Consumer's risk, ensure the property safety of user.

Brief description of the drawings

Technical scheme in order to illustrate the embodiments of the present invention more clearly, it is required in being described below to embodiment to use Accompanying drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the present invention, general for this area For logical technical staff, on the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.

Fig. 1 is a kind of schematic diagram of on-line payment system provided in an embodiment of the present invention；

Fig. 2 is a kind of schematic flow diagram for method of payment that first embodiment of the invention provides；

Fig. 3 is a kind of schematic flow diagram for method of payment that second embodiment of the invention provides；

Fig. 4 is a kind of schematic flow diagram for method of payment that third embodiment of the invention provides；

Fig. 5 is a kind of schematic flow diagram for method of payment that fourth embodiment of the invention provides；

Fig. 6 is a kind of schematic flow diagram for method of payment that fifth embodiment of the invention provides；

Fig. 7 is a kind of schematic block diagram for terminal that first embodiment of the invention provides；

Fig. 8 is a kind of schematic block diagram for terminal that second embodiment of the invention provides；

Fig. 9 is a kind of schematic block diagram for terminal that third embodiment of the invention provides；

Figure 10 is a kind of schematic block diagram for server that first embodiment of the invention provides；

Figure 11 is a kind of schematic block diagram for server that second embodiment of the invention provides；

Figure 12 is a kind of schematic block diagram for terminal that fourth embodiment of the invention provides；

Figure 13 is a kind of schematic block diagram for terminal that fifth embodiment of the invention provides；

Figure 14 is a kind of server schematic block diagram that third embodiment of the invention provides.

Embodiment

Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Site preparation describes, it is clear that described embodiment is part of the embodiment of the present invention, rather than whole embodiments.Based on this hair Embodiment in bright, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made Example, belongs to the scope of protection of the invention.

It should be appreciated that ought be in this specification and in the appended claims in use, term " comprising " and "comprising" instruction Described feature, entirety, step, operation, the presence of element and/or component, but it is not precluded from one or more of the other feature, whole Body, step, operation, element, component and/or its presence or addition for gathering.

It is also understood that the term used in this description of the invention is merely for the sake of the mesh for describing specific embodiment And be not intended to limit the present invention.As used in description of the invention and appended claims, unless on Other situations are hereafter clearly indicated, otherwise " one " of singulative, "one" and "the" are intended to include plural form.

It will be further appreciated that the term "and/or" used in description of the invention and appended claims is Refer to any combinations of one or more of the associated item listed and be possible to combine, and including these combinations.

As used in this specification and in the appended claims, term " if " can be according to context quilt Be construed to " when ... " or " once " or " in response to determining " or " in response to detecting ".Similarly, phrase " if it is determined that " or " if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".

In the specific implementation, the terminal described in the embodiment of the present invention is including but not limited to such as with touch sensitive surface The mobile phone, laptop computer or tablet PC of (for example, touch-screen display and/or touch pad) etc it is other just Portable device.It is to be further understood that in certain embodiments, the equipment is not portable communication device, but with tactile Touch the desktop computer of sensing surface (for example, touch-screen display and/or touch pad).

In discussion below, the terminal including display and touch sensitive surface is described.It is, however, to be understood that It is that terminal can include one or more of the other physical user-interface device of such as physical keyboard, mouse and/or control-rod.

Terminal supports various application programs, such as one or more of following：Drawing application program, demonstration application journey Sequence, word-processing application, website create application program, disk imprinting application program, spreadsheet applications, game application Program, telephony application, videoconference application, email application, instant messaging applications, exercise Support application program, photo management application program, digital camera application program, digital camera application program, web-browsing application Program, digital music player application and/or video frequency player application program.

The various application programs that can be performed in terminal can use at least one public of such as touch sensitive surface Physical user-interface device.It can adjust and/or change among applications and/or in corresponding application programs and touch sensitive table The corresponding information shown in the one or more functions and terminal in face.So, the public physical structure of terminal is (for example, touch Sensing surface) the various application programs with user interface directly perceived and transparent for a user can be supported.

Fig. 1 is referred to, Fig. 1 is a kind of schematic diagram of on-line payment system provided in an embodiment of the present invention.On-line payment system System includes first terminal 110, second terminal 120 and server 130.First terminal 110 can respectively with second terminal 120 with And server 130 is communicated, server 130 can also be communicated with second terminal.

First terminal 110 is to need to carry out terminal used in the user of on-line payment using third party supervision mechanism, the Two terminals 120 are terminal used in third party supervision person.For example, the user of first terminal 110 can be children and adolescents or The elderly.When the user of first terminal 110 is child or adolescent, the user of second terminal 120 (third party supervision person) can be with For the father and mother of child or adolescent；When the user of first terminal 110 is the elderly, the user's (third party supervision of second terminal 120 Person) can be the children of the elderly.The operation principle of on-line payment system is specific as follows：

First terminal 110 is used to obtain payment request information；Wherein, payment request information includes payment account, gathering account Family and the amount of money to be paid.

For example, first terminal 110 detects user in payment function menu, the option of " third party supervision " is added, or When choosing or open the function of " third party supervision ", first terminal 110 is opened carries out on-line payment using third party supervision mechanism Function, and show and interface be set corresponding to " third party supervision " function, prompt user that third party corresponding to payment accounts is set Payment verification information corresponding to the account (i.e. third party supervision account) of overseer and third party supervision person.Third party supervision account Number be used for receive first terminal 110 transmission payment verification request, payment verification ask be used for ask third party supervision account pair The user answered inputs payment verification information；Payment verification information is used for server and carries out proof of identity to third party supervision person.

Payment verification information can include following a kind of or at least two any combination：Password, voiceprint and refer to Line information.Password can be the combination of numeral and/or letter.Voiceprint is the sound wave spectrum for carrying verbal information.

When the payment verification information of third party supervision person input is password, first terminal 110 prompts to input the 3rd twice The password of square overseer, if password is consistent twice, set successfully, if inconsistent, remind third party supervision person again defeated Enter, until the two is consistent.The password that third party supervision person inputs is uploaded onto the server 130 by first terminal 110, and the password is clothes Used benchmark password when being engaged in device 130 to third party supervision person progress authentication.

When the payment verification information of third party supervision person input is voiceprint, first terminal 110 prompts third party's prison The person of superintending and directing presses close to the transmitter input speech message of first terminal 110, and first terminal 110 disappears the voice that third party supervision person inputs Voice data corresponding to breath uploads onto the server 130, so that server 130 can generate the voice data registration vocal print, should Registration vocal print is used benchmark voiceprint when authentication is carried out to third party supervision person.

When the payment verification information of third party supervision person input is finger print information, first terminal 110 prompts third party's prison The person's of superintending and directing registered fingerprint, first terminal 110 can gather third party by Home key or the fingerprint recognition panel of the behind of first terminal 110 The finger print information of overseer's input.The finger print information of third party supervision person is uploaded onto the server 130 by first terminal 110, clothes Device 130 be engaged in by finger print information generation registered fingerprint, the registered fingerprint is to third party supervision person progress authentication when institute The reference finger information used.

When first terminal user carries out on-line payment using on-line payment function, first terminal 110 is confirming current open When carrying out the function of on-line payment using third party supervision mechanism, payment request information is obtained；Wherein, payment request information is at least Including payment account, collecting account and the amount of money to be paid.Payment request information can also include merchandise news, or other letters Breath.

First terminal 110 is used for the payment cipher for obtaining user's input, and carries out proof of identity to the payment cipher.

For example, first terminal 110 obtains the payment cipher of the user of first terminal 110 input, and the payment got is close Compared with default payment cipher, whether the payment cipher for judging to get matches code with default payment cipher, so as to The payment cipher got is verified.Payment cipher can be numeral and/or the character string of letter composition, or refer to Line information or voiceprint etc. can represent the information of the user identity of first terminal 110.

Wherein, when the payment cipher got matches with default payment cipher, proof of identity passes through；When what is got When payment cipher mismatches with default payment cipher, proof of identity failure.The payment cipher got and default payment are close Code matching refers to, the payment cipher got is identical with default payment cipher, or both between matching degree be more than or equal to Default matching degree threshold value.The payment cipher got mismatches with default payment cipher to be referred to, the payment cipher got It is different from default payment cipher, or both between matching degree be less than default matching degree threshold value.Default matching degree threshold value It can need to be configured according to the time, be not limited herein.

Alternatively, first terminal 110 is additionally operable to obtain the payment angle of inclination of terminal；Wherein, the payment angle of inclination The angle of inclination corresponding to payment cipher is inputted for the user；According to predetermined inclination angle pair corresponding to the amount to be paid The payment angle of inclination carries out proof of identity.

For example, first terminal 110 is obtained when detecting payment cipher, the current payment angle of inclination of first terminal 110, And predetermined inclination angle corresponding to the amount of money to be paid included in payment request information is obtained, so as to default be inclined according to what is got Rake angle verifies to paying angle of inclination.When predetermined inclination angle corresponding to the amount of money to be paid is with paying angle of inclination Match somebody with somebody, then check results are to pass through to paying angle of inclination progress proof of identity；When predetermined inclination angle corresponding to the amount of money to be paid Mismatched with paying angle of inclination, then check results are to carry out proof of identity failure to paying angle of inclination.The amount of money pair to be paid The predetermined inclination angle answered refers to paying angle of inclination and matching：Predetermined inclination angle corresponding to the amount of money to be paid tilts with paying Angle is equal, or both difference be less than or equal to acceptable default error range.Incline when being preset corresponding to the amount of money to be paid Rake angle refers to paying angle of inclination and mismatching：Predetermined inclination angle corresponding to the amount of money to be paid is with paying angle of inclination not phase Deng, or both difference be more than acceptable default error range.

Prestored in first terminal 110 and angle of inclination is paid corresponding to different amount of money scopes to be paid, such as, treat Payment is less than 1000 yuan, and payment angle of inclination is 30 degree corresponding to it, and the amount of money to be paid is 1000-9999 members, and its is right The payment angle of inclination answered is 45 degree；The amount of money to be paid is more than 9999 yuan, and payment angle of inclination is 60 degree corresponding to it.

Wherein, what the acceleration transducer that payment angle of inclination can be as built in first terminal 110 according to it detected adds Speed data, measure its angle of inclination relative to the first plane perpendicular to horizontal plane.

When setting payment angle of inclination, when user constantly adjusts angle of inclination, first terminal 110 is in and constantly transported State in dynamic, if first terminal 110 paused more than three seconds, can read the angle of inclination number of degrees, be for selection by the user It is no that the angle of inclination is arranged to default payment angle of inclination.

First terminal 110 is used for the third party supervision account according to corresponding to the payment account and sends payment verification request； Wherein, the payment verification asks to be used to ask user corresponding to the third party supervision account to input payment verification information；Institute State payment verification information and be used for server to user progress proof of identity.Payment verification solicited message can include to be paid The amount of money, or the amount of money to be paid and/or merchandise news.

For example, the payment account that first terminal 110 when getting payment request information, includes according to payment request information Third party supervision account corresponding to the payment accounts is obtained, and payment verification is sent according to the third party supervision account got and asked Ask.Wherein, phone number, instant messaging account or the mailbox of the third party supervision account person that includes but is not limited to third party supervision Deng.Payment verification asks to be used to ask user corresponding to third party supervision account to input payment verification information；Payment verification information Proof of identity is carried out to user for server.

Alternatively, first terminal 110 is specifically used for：If detecting, the amount of money to be paid is more than or equal to the default volume Threshold value is spent, then the third party supervision account according to corresponding to the payment account sends payment verification request.Default payment amount Threshold value can be 1000, but be not limited to this, can be specifically configured according to time situation, be not limited herein.

Alternatively, first terminal 110 also particularly useful for：When obtaining solicited message to be paid, obtain in payment request information Payment accounts corresponding to user age information, when age information belongs to default age value scope, then according to the branch Third party supervision account corresponding to family of paying a bill sends payment verification request.Default age value scope include but is not limited to be more than or Equal to 65 years old, or less than or equal to 18 years old, it can be specifically configured according to time situation, be not limited herein.

Second terminal 120 is used for the payment verification request for receiving the transmission of first terminal 110.

For example, the payment verification that second terminal 120 receives the transmission of first terminal 110 by third party supervision account is asked. Payment verification asks the mark that can also include first terminal 110.The mark of first terminal 110 is used to work as not to be had in server 130 When having the corresponding relation between preservation payment accounts and third party supervision account, server 130 can be according to first terminal 110 Identify to first terminal 110 and send the result corresponding to payment verification information.

Second terminal 120 is used to obtain payment verification information, and the payment verification information is sent to the server.

For example, the payment verification request that the acquisition third party supervision person of second terminal 120 receives according to second terminal 120 is defeated The payment verification information entered, and payment verification information is sent to server 130；Wherein, payment verification information is used for server 130 couples of third party supervision persons carry out proof of identity.Send to the payment verification information of server 130 and carry the mark of first terminal Third party supervision account, payment verification information are used for server 130 and carry out proof of identity to third party supervision person.First terminal 110 mark is used for server and sends the result corresponding to payment verification information to first terminal 110.

Wherein, the payment verification information that second terminal 120 obtains can be following a kind of or at least two any combination： Password, voiceprint and finger print information.

Third party supervision person can be according to input payment verification information be actually needed, can also carrying according to second terminal 120 Show that information inputs payment verification information.

When third party supervision person inputs payment verification information according to the prompt message of second terminal 120, second terminal 120 The environmental noise value for being presently in environment can be obtained, when environmental noise value is more than default noise threshold, prompts third party supervision Person inputs password and/or finger print information is verified.It may cause what second terminal 120 was inputted to user because environment is noisy Voice messaging identification is not accurate enough, therefore gives up by way of voiceprint carries out payment verification, both ensure that safety of payment, Payment efficiency is improved again.

Second terminal 120 can also open front camera, whether have other people without fixed duties around the person that judges third party supervision Deng if so, now input password may easily cause to be seen by others, then give up password authentification, prompt third party supervision Person inputs finger print information and/or voiceprint is verified, safety of so equally guaranteeing payment, efficiency of guaranteeing payment again.

Server 130 is used to obtain payment verification information corresponding to third party supervision account；Wherein, the payment verification letter Cease the user as corresponding to the third party supervision account to input when getting the payment verification request of first terminal transmission, and lead to Cross second terminal transmission；The payment verification information includes the mark or third party supervision account of the first terminal；First eventually The mark at end 110 is used for when not having to preserve the corresponding relation between payment accounts and third party supervision account in server 130, Server 130 can be verified according to corresponding to the mark to the transmission payment verification information of first terminal 110 of first terminal 110 and tied Fruit.Third party supervision account is used for server when preserving the corresponding relation between payment accounts and third party supervision account, The result according to corresponding to payment accounts corresponding to third party supervision account send payment verification information.Third party supervision account It is additionally operable to obtain its corresponding benchmark payment check information.

For example, server 130 receives the payment verification information that the second terminal 120 that third party supervision person uses is sent.Connect The payment verification information received carries the mark third party supervision account of first terminal.

The mark of first terminal can be the MAC Address or international mobile equipment identification number of first terminal (International Mobile Equipment Identity, IMEI) or the user of first terminal 110 are used Payment accounts.

Server 130 is used for the benchmark payment verification information according to corresponding to the third party supervision account and the payment is tested Card information is verified.

Wherein, server can be by third party supervision account and third party supervision corresponding to payment accounts, payment accounts Benchmark corresponding to account pays check information association and preserved.It is that benchmark corresponding to third party supervision account, which pays check information, The benchmark of tripartite overseer registration pays check information.Benchmark pays check information to be following a kind of or any group of at least two Close：Benchmark password, benchmark voiceprint and reference finger information.

For example, the third party supervision account that server 130 carries according to payment verification information obtains the third party supervision account Benchmark payment verification information corresponding to number, and the payment verification information received according to benchmark payment verification information butt joint carries out school Test.

Wherein, when benchmark payment verification information is identical with the payment verification information received, or benchmark payment verification letter When ceasing the matching degree between the payment verification information that receives and being more than or equal to preset matching degree threshold value, payment verification is identified as Information checking passes through；When benchmark payment verification information it is different from the payment verification information received, or benchmark payment verification When matching degree between information and the payment verification information received is less than preset matching degree threshold value, payment verification information is identified as Verification failure.Default matching degree threshold value can need to be configured according to the time, not be limited herein.

Alternatively, server 130 is additionally operable to：Obtain the amount of money to be paid that payment verification packet contains；Wait to prop up according to described Pay the amount of money and determine verification matching degree corresponding to the payment verification information；Determine benchmark branch corresponding to the third party supervision account The first matching degree between checking information and the payment verification information is paid, and according to first matching degree and the verification Matching degree verifies to the payment verification information；Wherein, if first matching degree is more than or equal to the verification and matched Degree, then check results are that the payment verification information checking passes through；If first matching degree is less than the verification matching degree, Check results fail for the payment verification information checking.

Verification matching degree corresponding to multiple amounts to be paid has been prestored in server 130.For example amount to be paid is Less than 1000 yuan, verification matching degree is 80%；Amount to be paid is 1000-9999 members, and verification matching degree is 90%；Volume to be paid Spend for more than 9999 yuan, verification matching degree is more than or equal to 95%.

If server 130 be used for the payment verification information checking by, to the first terminal send verification into Work(notification message.

For example, when check results be to payment verification information checking by when, server 130 is taken according to payment verification information The mark of the first terminal 110 of band sends verification success notification message to first terminal 110.

When check results letter is prompted when failing to payment verification information checking, to send to retry to third party supervision account Breath, retry prompt message and be used to prompt user corresponding to third party supervision account that (third party supervision person) re-enters payment verification Information.

If first terminal 110 disappears for receiving the verification success notification that server returns according to the payment verification information Breath, and the proof of identity according to the payment request information by then being paid.

For example, what the payment verification information that the reception server 130 of first terminal 110 is sent according to second terminal 130 returned Verify success notification message, and confirm to the user of first terminal 110 carry out proof of identity by when, according to payment request information In the payment accounts that include, shroff account number and the amount of money to be paid complete to pay.

The payment cipher verification that proof of identity is carried out to first terminal user to be included to first terminal user input passes through.

Payment accounts, shroff account number and the amount of money to be paid according to being included in payment request information are completed to pay specifically For：The fund server according to corresponding to shroff account number to shroff account number, which is sent, pays notice, and paying notice includes payment accounts, receives Money account and the amount of money to be paid, so that fund server corresponding to shroff account number is sent out to fund server corresponding to payment accounts Request of remitting money is sent, request of remitting money includes collecting account and the amount of money to be paid, so that fund service corresponding to payment accounts Device will be with the amount of money identical allocation of the funds to be paid to collecting account.

Fund server corresponding to shroff account number can be with identical with fund server corresponding to payment accounts, can also not Together, it is not limited herein.

Alternatively, when first terminal carries out proof of identity to paying angle of inclination, first terminal 110 is specifically used for：If The verification success notification message that server returns according to the payment verification information is received, and to the payment cipher and institute State to pay angle of inclination and verify and pass through, then paid according to the payment request information.

Alternatively, first terminal 110 is additionally operable to obtain risk checking information to be identified, and by the risk to be identified Checking information sends to the server and carries out risk checking；Wherein, the secure authentication information to be identified is included below extremely Few one kind：Conversation number, send number (phone number, service number or communications account) corresponding to information and net purchase chain ground connection Location.

For example, risk checking information carries out anti-swindle identification for server 130.First terminal 110 is from communications records The conversation number in preset time is obtained, the note number or phone number for sending short message are obtained from the short message received, Net purchase chained address is obtained from the short message received.

Server 130 is additionally operable to：Receive the risk checking information to be identified that first terminal 110 is sent；From default wind The target data matched with the risk checking information is searched in dangerous database；If not finding the target data, to institute State first terminal transmission and be proved to be successful notification message, the notification message that is proved to be successful is used to prompt the third party supervision account Corresponding user inputs payment verification information；If finding the target data, according to the third party supervision account or pre- If number sends early warning information；Wherein, the early warning information is used to prompt the target data risk of fraud to be present.

For example, server 130 receives the risk checking information to be identified that first terminal 110 is sent, from default risk The target data matched with risk checking information is searched in database.Fraudulent call has been prestored in default vulnerability database Number, fraud text message service number, swindle domain name or swindle network connection etc..Default vulnerability database can be server 130 local data base or cloud database, is not limited herein.

Server 130 is then identified as risk checking letter when not finding the target data matched with risk checking information Risk of fraud is not present in breath, is sent to second terminal 120 corresponding to third party supervision account and is proved to be successful notification message, verified into Work(notification message is used for second terminal 120 when detecting the payment verification request that first terminal 110 is sent, and prompts third party's prison Superintend and direct user corresponding to account and input payment verification information.Wherein, server 130 is verified and first to payment verification information The process that terminal 110 is paid according to payment request information refers to above-mentioned related content, does not repeat herein.

When finding the target data matched with risk checking information, it is identified as risk checking information and fraud wind is present Danger, early warning information is sent according to third party supervision account, and the target data got is sent to third party supervision account Second terminal 120 corresponding to number, so that third party supervision person audits to target data, so as in third party supervision person When thinking that target data is suspicious, asked to terminate payment flow according to payment verification, or third party supervision person triggers second terminal 120 send for representing the prompt message with risk of fraud to first terminal 110, and payment verification request terminates flow of payments Journey.Wherein, early warning information is used to prompt target data risk of fraud to be present.

Server 130 can also send early warning information according to preset number；Preset number can be alarm number or Report number.

When payment request information also includes merchandise news, server 130 can also found and risk checking information During the target data of matching, no risk of fraud is pushed to first terminal 110 according to the merchandise news that payment request information includes Similar commodity.

Alternatively, first terminal 110 is additionally operable to receive being used for for the transmission of second terminal 120 corresponding to third party supervision account Represent the prompt message with risk of fraud, or the commodity that the reception server 130 pushes in risk checking information authentication failed Information；Wherein, prompt message is sent by second terminal 120 when receiving the authentication failed notification message that server 110 is sent.

Such scheme, by increasing third party supervision mechanism in payment flow, payment request information is through third party supervision Person is paid after confirming, user can be prevented to be spoofed molecule and mislead progress consumption online by telecommunications or network, reduction disappears Take risk, ensure the property safety of user.

Fig. 2 is referred to, Fig. 2 is a kind of schematic flow diagram for method of payment that first embodiment of the invention provides.This implementation The executive agent of method of payment is terminal in example, is designated as first terminal, and first terminal is to need to enter using third party supervision mechanism Terminal used in the user of row on-line payment, terminal can be the mobile terminals such as mobile phone, tablet personal computer, but be not limited to this, It can also be other-end.Method of payment as shown in Figure 2 may include following steps：

S201：Obtain payment request information；Wherein, the payment request information include payment account, collecting account and The amount of money to be paid.

For example, when first terminal user carries out on-line payment using on-line payment function, first terminal is confirming currently to open When opening the function using the progress on-line payment of third party supervision mechanism, payment request information is obtained；Wherein, payment request information is extremely Include payment account, collecting account and the amount of money to be paid less.Payment request information can also include merchandise news or other letters Breath.

Before S201, first terminal has prestored payment cipher corresponding to payment account and third party supervision account Etc. information.Third party supervision person can set payment verification information corresponding to third party supervision account by first terminal, and should Payment verification information uploads onto the server.

For example, first terminal detects user in payment function menu, the option of " third party supervision " is added, or is chosen Or when opening the function of " third party supervision ", first terminal opens the function that on-line payment is carried out using third party supervision mechanism, And show and interface is set corresponding to " third party supervision " function, prompt user that third party supervision person corresponding to payment accounts is set Payment verification information corresponding to account (i.e. third party supervision account) and third party supervision person.Third party supervision account is used to connect The payment verification request that first terminal is sent is received, payment verification asks to be used to ask user corresponding to third party supervision account to input Payment verification information；Payment verification information is used for server and carries out proof of identity to third party supervision person.

Payment verification information includes the mark or third party supervision account of the first terminal；The mark of first terminal is used for When not having to preserve the corresponding relation between payment accounts and third party supervision account in server, server can be according to first The mark of terminal sends the result corresponding to payment verification information to first terminal.Third party supervision account exists for server When preserving the corresponding relation between payment accounts and third party supervision account, it can be propped up according to corresponding to third party supervision account The number of paying a bill sends the result corresponding to payment verification information.Third party supervision account is used to obtain its corresponding benchmark payment school Test information.

When the payment verification information of third party supervision person input is password, first terminal prompting inputs third party's prison twice The password for the person of superintending and directing, if password is consistent twice, set successfully, if inconsistent, remind third party supervision person to re-enter, directly It is consistent to the two.First terminal uploads onto the server the password that third party supervision person inputs, and the password is server to the 3rd Square overseer carries out used benchmark password during authentication.

When the payment verification information of third party supervision person input is voiceprint, first terminal prompting third party supervision person Press close to the transmitter input speech message of first terminal, sound corresponding to the speech message that first terminal inputs third party supervision person Sound data upload onto the server, and enable the server to the voice data generating registration vocal print, the registration vocal print is to the Tripartite overseer carries out used benchmark voiceprint during authentication.

When the payment verification information of third party supervision person input is finger print information, first terminal prompting third party supervision person Registered fingerprint, first terminal can gather third party supervision person by Home key or the fingerprint recognition panel of first terminal behind and input Finger print information.First terminal uploads onto the server the finger print information of third party supervision person, and server is by the finger print information Registered fingerprint is generated, the registered fingerprint is used reference finger information when authentication is carried out to third party supervision person.

S202：Payment verification request is sent according to third party supervision account corresponding to the payment account；Wherein, the branch Checking request is paid to be used to ask user corresponding to the third party supervision account to input payment verification information；The payment verification letter Cease and proof of identity is carried out to the user for server.

For example, first terminal, when getting payment request information, the payment account included according to payment request information obtains Third party supervision account corresponding to the payment accounts is taken, and payment verification is sent according to the third party supervision account got and asked Ask.Payment verification solicited message can include the amount of money to be paid, or the amount of money to be paid and/or merchandise news.Merchandise news is used Identify that the merchandise news whether there is fraud risk in third party supervision person, the amount of money to be paid is used for third party supervision person and determines to be somebody's turn to do Whether amount is beyond the payment amount authorized.

Wherein, the phone number of the third party supervision account person that includes but is not limited to third party supervision, instant messaging account or Mailbox etc..Payment verification asks the mark for including first terminal.The mark of first terminal is used for server and returned to first terminal The result corresponding to payment verification information is sent to first terminal.

Payment verification asks to be used to ask user corresponding to third party supervision account to input payment verification information, so that the 3rd Branch of the second terminal that uses of user (third party supervision person) corresponding to side's supervision account in the person's input that gets third party supervision When paying checking information, the payment verification information is sent to server, enabled the server to according to the payment verification information pair Third party supervision person carries out proof of identity.

S203：The payment cipher of user's input is obtained, and proof of identity is carried out to the payment cipher.

For example, first terminal obtains the payment cipher of first terminal user input, and by the payment cipher got and in advance If payment cipher be compared, whether the payment cipher for judging to get matches with default payment cipher, so as to obtain To payment cipher verified.Payment cipher can be numeral and/or the character string of letter composition, or finger print information Or voiceprint etc. can represent the information of first terminal user identity.

Wherein, S203 and S201 and S202 order in no particular order.First terminal can first carry out S201, S202 and perform again S203, S201 and S202 can also be performed simultaneously；S203 can also be first carried out, perform S201, S202 again；It can also first carry out S201, S203 and S202 is performed again.

S204：If the verification success notification message that server returns according to the payment verification information is received, and it is described Proof of identity according to the payment request information by then being paid.

Server according to payment verification information to third party supervision person carry out proof of identity by when, according to first terminal Mark send corresponding to the payment verification information verification success notification message to first terminal.

First terminal successfully leads in the verification for receiving the payment verification information return that server is sent according to second terminal Know message, and confirm to carry out first terminal user proof of identity by when, paid a bill according to the branch included in payment request information Number, shroff account number and the amount of money to be paid completes to pay.

Wherein, when receiving the verification failure notification message that server returns according to payment verification information, terminate this time Payment flow.

Such scheme, terminal obtain payment request information；Wherein, the payment request information includes payment account, gathering Account and the amount of money to be paid；Payment verification request is sent according to third party supervision account corresponding to the payment account；Wherein, The payment verification asks to be used to ask user corresponding to the third party supervision account to input payment verification information；The payment Checking information is used for server and carries out proof of identity to the user；The payment cipher of user's input is obtained, and to the payment Password carries out proof of identity；If the verification success notification message that server returns according to the payment verification information is received, and The proof of identity according to the payment request information by then being paid.Supervised by increasing third party in payment flow Mechanism is superintended and directed, payment request information is paid after third party supervision person confirms, user can be prevented to be spoofed molecule and pass through electricity Letter or network, which are misled, carries out consumption online, reduces consumer's risk, ensures the property safety of user.

Fig. 3 is referred to, Fig. 3 is a kind of schematic flow diagram for method of payment that second embodiment of the invention provides.This implementation The executive agent of method of payment is terminal in example, is designated as first terminal, and first terminal is to need to enter using third party supervision mechanism Terminal used in the user of row on-line payment, terminal can be the mobile terminals such as mobile phone, tablet personal computer, but be not limited to this, It can also be other-end.Method of payment as shown in Figure 3 may include following steps：

S301：Obtain payment request information；Wherein, the payment request information include payment account, collecting account and The amount of money to be paid.

S301 is identical with the S201 in a upper embodiment in the present embodiment, referring specifically to upper embodiment S201 correlation Description, is not repeated herein.

S302：Payment verification request is sent according to third party supervision account corresponding to the payment account；Wherein, the branch Checking request is paid to be used to ask user corresponding to the third party supervision account to input payment verification information；The payment verification letter Cease and proof of identity is carried out to the user for server.

S302 is identical with the S202 in a upper embodiment in the present embodiment, referring specifically to upper embodiment S202 correlation Description, is not repeated herein.

Further, first terminal obtains the payment accounts in payment request information when obtaining solicited message to be paid The age information of corresponding user, it is when age information belongs to default age value scope, then corresponding according to the payment account Third party supervision account send payment verification request.Default age value scope includes but is not limited to be more than or equal to 65 years old, Or less than or equal to 18 years old, it can be specifically configured according to time situation, be not limited herein.

Alternatively, S302 can be specially：If detecting, the amount of money to be paid is more than or equal to the default amount threshold Value, then the third party supervision account transmission payment verification request according to corresponding to the payment account.

For example, first terminal obtains the amount to be paid in payment request information, and confirming to detect the amount of money to be paid More than or equal to default amount threshold value, then the third party supervision account transmission payment verification request according to corresponding to payment account.In advance If payment amount threshold value can be 1000, but be not limited to this, can be specifically configured according to time situation, do not limited herein System.

S303：The payment cipher of user's input is obtained, and proof of identity is carried out to the payment cipher.

S303 is identical with the S203 in a upper embodiment in the present embodiment, referring specifically to upper embodiment S203 correlation Description, is not repeated herein.

Wherein, S303 and S301 and S302 order in no particular order.First terminal can first carry out S301, S302 and perform again S303, S301 and S302 can also be performed simultaneously；S303 can also be first carried out, perform S301, S302 again；It can also first carry out S301, S303 and S302 is performed again.

Alternatively, the method for payment in the present embodiment can also include：

S304：The payment angle of inclination of terminal is obtained, according to predetermined inclination angle corresponding to the amount to be paid to institute State and pay angle of inclination progress proof of identity；Wherein, the payment angle of inclination is that the user is inputted corresponding to payment cipher Angle of inclination.

For example, first terminal is obtained when detecting payment cipher, the current payment angle of inclination of first terminal, and obtain Predetermined inclination angle corresponding to the amount of money to be paid included in payment request information, so as to according to the predetermined inclination angle got Verified to paying angle of inclination.When predetermined inclination angle corresponding to the amount of money to be paid matches with paying angle of inclination, then school It is to pass through to paying angle of inclination progress proof of identity to test result；When predetermined inclination angle is inclined with payment corresponding to the amount of money to be paid Rake angle mismatches, then check results are to carry out proof of identity failure to paying angle of inclination.Preset corresponding to the amount of money to be paid Angle of inclination refers to paying angle of inclination and matching：Predetermined inclination angle corresponding to the amount of money to be paid is with paying angle of inclination phase Deng, or both difference be less than or equal to acceptable default error range.When predetermined inclination angle corresponding to the amount of money to be paid Refer to paying angle of inclination and mismatching：Predetermined inclination angle corresponding to the amount of money to be paid is unequal with paying angle of inclination, or Both differences are more than acceptable default error range.

Prestored in first terminal and angle of inclination is paid corresponding to different amount of money scopes to be paid, such as, wait to prop up It is less than 1000 yuan to pay the amount of money, and payment angle of inclination is 30 degree corresponding to it, and the amount of money to be paid is 1000-9999 members, and it is corresponding Payment angle of inclination be 45 degree；The amount of money to be paid is more than 9999 yuan, and payment angle of inclination is 60 degree corresponding to it.

Wherein, the acceleration that the acceleration transducer that payment angle of inclination can be as built in first terminal according to it detects Data, measure its angle of inclination relative to the first plane perpendicular to horizontal plane.

When setting payment angle of inclination, when user constantly adjusts angle of inclination, first terminal is in and constantly moved In state, if first terminal pause more than three seconds, the angle of inclination number of degrees can be read, whether should for selection by the user Angle of inclination is arranged to default payment angle of inclination.

S303 and S304 order in no particular order.

Alternatively, method of payment can also include S305~S306, to carry out risk of fraud early warning.

S305：Risk checking information to be identified is obtained, and the risk checking information to be identified is sent to described Server carries out risk checking；Wherein, the secure authentication information to be identified includes following at least one：Conversation number, hair Deliver letters number corresponding to breath and net purchase chained address.

Wherein, secure authentication information to be identified includes following at least one：Conversation number, send number corresponding to information (phone number, service number or communications account) and net purchase chained address.First terminal can obtain in advance from communications records If the conversation number in the time, the note number or phone number for sending short message are obtained from the short message received, from reception To short message in obtain net purchase chained address.

First terminal sends the risk checking information to be identified got to server, is sent to server and waits to know Other risk checking information carries payment accounts corresponding to first terminal user.Risk checking information carries out anti-swindleness for server Deceive identification.Payment accounts are used to obtain its corresponding third party supervision account, and it is determined that risk checking information has fraud wind When dangerous, early warning information can be sent according to third party supervision account；Wherein, early warning information is used to prompt risk to verify There is risk of fraud in information, early warning information can also include the target data that risk of fraud be present.

Specifically, server receives the risk checking information to be identified that first terminal is sent, from default risk data The target data matched with risk checking information is searched in storehouse.Fraudulent call number has been prestored in default vulnerability database Code, fraud text message service number, swindle domain name or swindle network connection etc..Default vulnerability database can be the sheet of server Ground database or cloud database, are not limited herein.

Server is then identified as risk checking information not when not finding the target data matched with risk checking information Risk of fraud be present, sent to second terminal corresponding to third party supervision account and be proved to be successful notification message, be proved to be successful notice Message is used for second terminal when detecting the payment verification request that first terminal is sent, and prompts corresponding to third party supervision account User inputs payment verification information, enables the server to according to the payment verification information from the 3rd supervision account to third party The identity of overseer is verified, and proof of identity by when, according to payment verification information carry first terminal mark Or the verification success notification message that third party supervision account or payment accounts return to first terminal.When first terminal receives clothes During the verification success notification message that business device returns according to payment verification information, S307 is performed.

Server is identified as the presence of risk checking information and taken advantage of when finding the target data matched with risk checking information Risk is cheated, early warning information is sent according to third party supervision account, and the target data got is sent to third party's prison Second terminal corresponding to account is superintended and directed, so that third party supervision person audits to target data, so as in third party supervision When person thinks that target data is suspicious, asked to terminate payment flow according to payment verification, or third party supervision person triggering second is eventually Hold to first terminal and send for representing the prompt message with risk of fraud, and payment verification request terminates payment flow.Its In, early warning information is used to prompt target data risk of fraud to be present.

When payment request information also includes merchandise news, server can also match finding with risk checking information Target data when, the similar business of no risk of fraud is pushed to first terminal according to the merchandise news that payment request information includes Product.

When second terminal corresponding to third party supervision account is used to represent with risk of fraud to what first terminal was sent Prompt message, or server in risk checking information authentication failed to first terminal push merchandise news when, first terminal Perform S306.

Wherein, S305 and S301, S302, S303 and S304 order in no particular order.

S306：The prompt message for being used to represent there is risk of fraud from the third party supervision account is received, or is connect Receive the merchandise news that the server pushes in the risk checking information authentication failed；Wherein, the prompt message is by institute Second terminal is stated to send when receiving the authentication failed notification message that the server is sent.

First terminal, which receives the expression that is used for that second terminal corresponding to third party supervision account is sent, has risk of fraud Prompt message, and terminate the payment flow corresponding to the payment request information got in S301.

First terminal can be with the reception server in the merchandise news to being pushed during risk checking information authentication failed, and incites somebody to action The merchandise news got, which is shown to, to be used for, for selection by the user.

S307：If the verification success notification message that server returns according to the payment verification information is received, and it is described Proof of identity according to the payment request information by then being paid.

Alternatively, when the payment angle of inclination of terminal acquisition terminal, according to predetermined inclination corresponding to the amount to be paid When angle carries out proof of identity to the payment angle of inclination, S307 is specially：If receive server to be tested according to the payment The verification success notification message that information returns is demonstrate,proved, and the payment cipher and payment angle of inclination verification are passed through, then Paid according to the payment request information.

Wherein, first terminal is when confirming to pass through payment cipher verification and passing through to paying angle of inclination verification, identification Pass through to carry out proof of identity to first terminal user.

Terminal to user to payment cipher and payment angle of inclination by carrying out terminal user ID verification, even in branch Pay password it is compromised when, by pay angle of inclination carry out proof of identity, improve payment safety, ensure user fund peace Entirely.

Terminal is by sending risk checking information to be identified to server, so that the risk checking letter that server is to be identified Breath carries out risk checking, can identify risk of fraud in advance, and reminds user, and to prevent user to be cheated, user's fund is pacified Full increase effectively protection.

Fig. 4 is referred to, Fig. 4 is a kind of schematic flow diagram for method of payment that third embodiment of the invention provides.This implementation The executive agent of method of payment is terminal in example, is designated as second terminal, and second terminal is terminal corresponding to third party supervision person, eventually End can be the mobile terminals such as mobile phone, tablet personal computer, but be not limited to this, can also be other-end.Payment as shown in Figure 4 Method may include following steps：

S401：Receive the payment verification request that first terminal is sent.

For example, the payment verification that second terminal receives first terminal transmission by third party supervision account is asked.Payment is tested Card request includes the mark or payment accounts of first terminal.Payment verification request, which is first terminal, to be confirmed to be currently needed for using the Tripartite's supervision mechanism carries out on-line payment, and when getting payment request information, according to third party supervision account to second terminal Send；Wherein, payment request information comprises at least payment account, collecting account and the amount of money to be paid.The mark of first terminal Or payment accounts are for server when not preserving the corresponding relation between payment accounts and third party supervision account, according to first Terminal iidentification or payment accounts return to the result corresponding to payment verification information to first terminal.

S402：Payment verification information is obtained, and the payment verification information is sent to the server；Wherein, send The payment verification information carry third party supervision account, the payment verification information be used for the server to this end subscriber Proof of identity is carried out, the third party supervision account is paid for the server according to corresponding to the third party supervision account Account sends the result corresponding to the payment verification information.

Wherein, the mark of first terminal is used to work as in server without between preservation payment accounts and third party supervision account Corresponding relation when, server payment verification information to first terminal can be sent according to the mark of first terminal corresponding to checking As a result.Third party supervision account is preserving the corresponding relation between payment accounts and third party supervision account for server When, payment accounts it can send the result corresponding to payment verification information according to corresponding to third party supervision account.

For example, second terminal obtains the branch that the payment verification that third party supervision person receives according to second terminal asks input Checking information is paid, and payment verification information is sent to server；Wherein, payment verification information is used for server to third party's prison The person of superintending and directing carries out proof of identity.Send to the payment verification information of server and carry the mark third party supervision account of first terminal, Payment verification information is used for server and carries out proof of identity to third party supervision person.The mark of first terminal is used for server to the One terminal sends the result corresponding to payment verification information.

Wherein, the payment verification information that second terminal obtains can be following a kind of or at least two any combination：It is close Code, voiceprint and finger print information.

Third party supervision person can also can believe according to input payment verification information is actually needed according to the prompting of second terminal Breath input payment verification information.

When third party supervision person inputs payment verification information according to the prompt message of second terminal, second terminal can obtain The environmental noise value of environment is presently in, when environmental noise value is more than default noise threshold, prompts third party supervision person input Password and/or finger print information are verified.Due to the noisy voice messaging that may cause to input user second terminal of environment Identify it is not accurate enough, therefore give up voiceprint carry out payment verification by way of, both ensure that safety of payment, improve again Payment efficiency.

Second terminal can also open front camera, whether have other people without fixed duties etc. around the person that judges third party supervision, If so, now input password may easily cause to be seen by others, then give up password authentification, prompt third party supervision person defeated Enter finger print information and/or voiceprint is verified, safety of so equally guaranteeing payment, efficiency of guaranteeing payment again.

Alternatively, second terminal can be with check results corresponding to the payment verification information of the reception server return.

Alternatively, second terminal also the reception server confirm check results for payment verification information checking is failed when, Prompt message is retried according to what third party supervision account was sent, prompt message is retried and is used to prompt corresponding to third party supervision account User (third party supervision person) re-enters payment verification information.

Alternatively, second terminal also the reception server verifies letter in the risk to be identified for receiving first terminal transmission Breath, and the result that risk checking is carried out to the risk checking information is when risk of fraud be present, to be sent out according to third party supervision account The early warning information sent；Wherein, fraud be present in the risk checking information that early warning information is used to prompt first terminal to send Risk.Early warning information can also include the target data that risk of fraud be present.Second terminal can be believed according to early warning Breath terminates the ongoing payment flow of first terminal.For example, terminate first eventually when auditing target data and risk of fraud being present Hold ongoing payment flow.

Alternatively, second terminal can be verified with the reception server in the risk to be identified for receiving first terminal transmission Information, and it is used for prompting the 3rd to what is sent when the result of risk checking information progress risk checking is in the absence of risk of fraud The notification message of payment verification information corresponding to square overseer.

Such scheme, terminal receive the payment verification request that first terminal is sent；Wherein, the payment verification request includes The mark of the first terminal；Payment verification information is obtained, and the payment verification information is sent to the server；Its In, the payment verification information of transmission carries third party supervision account, and the payment verification information is used for the server pair This end subscriber carries out proof of identity, and the third party supervision account is used for the server according to the third party supervision account pair The payment accounts answered send the result corresponding to the payment verification information.By increasing third party supervision in payment flow Mechanism, on-line payment is performed after third party supervision person verifies, user can be prevented to be spoofed molecule and missed by telecommunications or network Carry out consumption online is led, reduces consumer's risk, ensures the property safety of user.

Fig. 5 is referred to, Fig. 5 is a kind of schematic flow diagram for method of payment that fourth embodiment of the invention provides.This implementation The executive agent of method of payment is server, server and the first terminal and second terminal mentioned in above-described embodiment in example Carry out data interaction.Method of payment as shown in Figure 5 may include following steps：

S501：Obtain payment verification information corresponding to third party supervision account；Wherein, the payment verification information is by described User corresponding to third party supervision account inputs when getting the payment verification request of first terminal transmission, and by second eventually End is sent；The payment verification information carries third party supervision account；The third party supervision account is used for the server root The result corresponding to the payment verification information is sent according to payment accounts corresponding to the third party supervision account.

For example, server receives the payment verification information that the second terminal that third party supervision person uses is sent.Payment verification Information user as corresponding to third party supervision account inputs when getting the payment verification request of first terminal transmission, and passes through Second terminal is sent.Payment verification information includes following a kind of or at least two any combination：Payment cipher, voiceprint with And finger print information.

The payment verification information that server receives carries the mark third party supervision account of first terminal, can also carry The mark of first terminal；The payment accounts and/or wait to prop up that the payment request information that gets of first terminal include can also be included Pay the amount of money.

The mark of first terminal can be the MAC Address or international mobile equipment identification number of first terminal Propped up used in (International Mobile Equipment Identity, IMEI) or first terminal user The number of paying a bill.The mark of first terminal is used for server and sends the result corresponding to payment verification information to first terminal.Pay Account is used for server the result according to corresponding to payment accounts send payment verification information.The amount of money to be paid be used for obtain with The preset matching degree of check information is paid corresponding to the amount of money to be paid.

S502：The payment verification information is entered according to benchmark payment verification information corresponding to the third party supervision account Row verification.

Wherein, server prestored payment accounts, third party supervision account and third party corresponding to payment accounts The corresponding relation supervised between benchmark payment check information corresponding to account.Benchmark corresponding to third party supervision account pays verification The benchmark for person's registration that information is third party supervision pays check information.Benchmark pays check information as following one kind or at least two Any combination of kind：Benchmark password, benchmark voiceprint and reference finger information.

Server is according to corresponding to the third party supervision account that payment verification information carries obtains the third party supervision account Benchmark payment verification information, and the payment verification information received according to benchmark payment verification information butt joint is verified.

When check results be to payment verification information checking by when, perform S503.

When check results are that payment verification information checking is failed, are identified according to first terminal to first terminal and send school Failure notification message is tested, verification failure notification message is used to notify first terminal to terminate current payment flow；Or according to payment Account sends verification failure notification message, to terminate current ongoing payment flow corresponding to the payment accounts.

Alternatively, can also be according to third party supervision account when check results are that payment verification information checking is failed Or sent to the second terminal for sending payment verification information and retry prompt message, retry prompt message and be used to prompt third party supervision User corresponding to account (third party supervision person) re-enters payment verification information.The number of authentication failed reaches preset times threshold During value, identified according to first terminal to first terminal and send verification failure notification message, verification failure notification message is used to notify First terminal terminates current payment flow；Or verification failure notification message is sent according to payment accounts, paid a bill with terminating the branch Current ongoing payment flow corresponding to number.

S503：If to the payment verification information checking by sending verification success notification to the first terminal and disappearing Breath.

For example, server confirm check results be to payment verification information checking by when, according to payment verification information The mark of the first terminal of carrying sends verification success notification message to first terminal.

Such scheme, server obtain payment verification information corresponding to third party supervision account；Wherein, the payment verification Information user as corresponding to the third party supervision account inputs when getting the payment verification request of first terminal transmission, and Sent by second terminal；The payment verification information carries third party supervision account；Third party supervision account is used for the clothes Device payment accounts according to corresponding to the third party supervision account of being engaged in send the result corresponding to the payment verification information；Root The payment verification information is verified according to benchmark payment verification information corresponding to the third party supervision account；If to described Payment verification information checking to the first terminal by then sending verification success notification message.By increasing in payment flow Add third party supervision mechanism, perform on-line payment after third party supervision person verifies, user can be prevented to be spoofed molecule and pass through Telecommunications or network, which are misled, carries out consumption online, reduces consumer's risk, ensures the property safety of user.

Fig. 6 is referred to, Fig. 6 is a kind of schematic flow diagram for method of payment that fifth embodiment of the invention provides.This implementation The executive agent of method of payment is server, server and the first terminal and second terminal mentioned in above-described embodiment in example Carry out data interaction.Method of payment as shown in Figure 6 may include following steps：

S601：Receive the risk checking information to be identified that the first terminal is sent.

When first terminal gets risk checking information to be identified, and sends it to server, server receives The risk checking information to be identified that first terminal is sent.Wherein, risk checking information to be identified is prevented for server Swindle identification.Secure authentication information to be identified includes following at least one：Conversation number, send number (hand corresponding to information Machine number, service number or communications account) and net purchase chained address.

Risk checking information to be identified can be that first terminal obtains call number in preset time from communications records Code, the note number or phone number for sending short message are obtained from the short message received, net is obtained from the short message received Purchase chained address.

S602：The target data matched with the risk checking information is searched from default vulnerability database.

Server searches the target data matched with risk checking information to be identified from default vulnerability database.In advance If vulnerability database in prestored fraudulent call number, fraud text message service number, swindle domain name or swindle network connect Connect.Default vulnerability database can be the local data base or cloud database of server, not limit herein System.

When finding target data, S603 is performed；Server when not finding target data, perform S604~ S607。

S603：If finding the target data, early warning is sent according to the third party supervision account or preset number Prompt message；Wherein, the early warning information is used to prompt the target data risk of fraud to be present.

Server is identified as the presence of risk checking information and taken advantage of when finding the target data matched with risk checking information Risk is cheated, early warning information is sent according to third party supervision account, and the target data got is sent to third party's prison Second terminal corresponding to account is superintended and directed, so that third party supervision person audits to target data, so as in third party supervision When person thinks that target data is suspicious, asked to terminate payment flow according to payment verification, or third party supervision person triggering second is eventually Hold to first terminal and send for representing the prompt message with risk of fraud, and terminate flow of payments corresponding to payment verification request Journey.Wherein, early warning information is used to prompt target data risk of fraud to be present.

Server can also send early warning information according to preset number；Preset number can be alarm number or report Number.

When the payment verification information that second terminal is sent also carries the business that includes of payment request information of first terminal acquisition During product information, server can also be when finding the target data matched with risk checking information, according to payment request information Comprising merchandise news push to first terminal the similar commodity of no risk of fraud, and notify first terminal to terminate current branch Pay flow.

S604：If not finding the target data, sent to the first terminal and be proved to be successful notification message, it is described Notification message is proved to be successful to be used to prompt user corresponding to the third party supervision account to input payment verification information.

Server is then identified as risk checking information not when not finding the target data matched with risk checking information Risk of fraud be present, sent to second terminal corresponding to third party supervision account and be proved to be successful notification message, be proved to be successful notice Message is used to notify second terminal when detecting the payment verification request that first terminal is sent, to prompt third party supervision account pair The user answered inputs payment verification information.

S605：Obtain payment verification information corresponding to third party supervision account；Wherein, the payment verification information is by described User corresponding to third party supervision account inputs when getting the payment verification request of first terminal transmission, and by second eventually End is sent；The payment verification information carries the third party supervision account；The third party supervision account is used for the service Device payment accounts according to corresponding to the third party supervision account send the result corresponding to the payment verification information.

For example, server receives the payment verification information that the second terminal that third party supervision person uses is sent.Payment verification Information user as corresponding to third party supervision account inputs when getting the payment verification request of first terminal transmission, and passes through Second terminal is sent.

The payment verification information got includes following a kind of or at least two any combination：Payment cipher, vocal print letter Breath and finger print information.

S606：The payment verification information is entered according to benchmark payment verification information corresponding to the third party supervision account Row verification.

When payment verification information includes at least two, server verifies every kind of payment check information respectively, and all Payment check information verify by when, be identified as payment verification information checking and pass through；Otherwise payment verification information checking loses Lose.

Alternatively, S606 can include S6061~S6063：

S6061：Obtain the amount of money to be paid that payment verification packet contains.

S6062：Matching degree is verified according to corresponding to the amount of money to be paid determines the payment verification information.

Verification matching degree corresponding to multiple amounts to be paid has been prestored in server.For example amount to be paid is Less than 1000 yuan, verification matching degree is 80%；Amount to be paid is 1000-9999 members, and verification matching degree is 90%；Volume to be paid Spend for more than 9999 yuan, verification matching degree is more than or equal to 95%.

Server verifies matching degree according to corresponding to the amount of money to be paid got obtains it.

S6063：Determine benchmark payment verification information corresponding to the third party supervision account and the payment verification information Between the first matching degree, and according to first matching degree and it is described verification matching degree the payment verification information is carried out Verification；Wherein, if first matching degree is more than or equal to the verification matching degree, check results are believed for the payment verification Breath verification passes through；If first matching degree is less than the verification matching degree, check results are the payment verification information school Test failure.

Server is calculated corresponding to third party supervision account between benchmark payment verification information and the payment verification information The first matching degree, and by the first matching degree with corresponding to the amount of money to be paid verify matching degree compared with.When the first matching degree More than or equal to verification matching degree, then check results are that payment verification information checking passes through；If the first matching degree is less than the school Matching degree is tested, then check results fail for the payment verification information checking.

When check results be to payment verification information checking by when, perform S607.

S607：If to the payment verification information checking by sending verification success notification to the first terminal and disappearing Breath.

If server is used for the payment verification information checking by sending to verify to the first terminal and successfully leading to Know message.

Such scheme, server obtain payment verification information corresponding to third party supervision account；Wherein, the payment verification Information user as corresponding to the third party supervision account inputs when getting the payment verification request of first terminal transmission, and Sent by second terminal；The payment verification information carries third party supervision account；The third party supervision account is used for institute State server payment accounts according to corresponding to the third party supervision account and send checking knot corresponding to the payment verification information Fruit；The payment verification information is verified according to benchmark payment verification information corresponding to the third party supervision account；If To the payment verification information checking by then sending verification success notification message to the first terminal.By in flow of payments Increase third party supervision mechanism in journey, on-line payment is performed after third party supervision person verifies, can prevent that user is spoofed point Son is misled by telecommunications or network and carries out consumption online, reduces consumer's risk, ensures the property safety of user.

The risk checking information to be identified that server is sent to first terminal carries out risk checking, and it is determined that to be identified Risk checking information when risk of fraud be present, early warning information is sent to third party supervision according to third party supervision account, To cause third party supervision, person terminates payment flow；Early warning information can also be sent according to preset alarm number；It can carry Before identify risk of fraud, and remind user, to prevent user to be cheated, increase user's fund security effectively protection.

Referring to Fig. 7, Fig. 7 is a kind of schematic block diagram for terminal that first embodiment of the invention provides.The end of the present embodiment The each unit that end 7 includes is used to perform each step in embodiment corresponding to Fig. 2, referring specifically to real corresponding to Fig. 2 and Fig. 2 The associated description in example is applied, is not repeated herein.The terminal of the present embodiment includes：First acquisition unit 710, the first transmitting element 720th, the first proof of identity unit 730 and payment unit 740.

First acquisition unit 710 is used to obtain payment request information；Wherein, the payment request information is paid a bill including branch Family, collecting account and the amount of money to be paid.

First transmitting element 720, which is used for the third party supervision account transmission payment verification according to corresponding to the payment account, asks Ask；Wherein, the payment verification asks to be used to ask user corresponding to the third party supervision account to input payment verification information； The payment verification information is used for server and carries out proof of identity to the user；

First proof of identity unit 730 is used for the payment cipher for obtaining user's input, and carries out body to the payment cipher Part verification.

If payment unit 740 disappears for receiving the verification success notification that server returns according to the payment verification information Breath, and the proof of identity according to the payment request information by then being paid.Such scheme, terminal are obtained to pay and asked Seek information；Wherein, the payment request information includes payment account, collecting account and the amount of money to be paid；According to the payment Third party supervision account corresponding to account sends payment verification request；Wherein, the payment verification asks to be used to ask described the Tripartite supervises user corresponding to account and inputs payment verification information；The payment verification information is entered for server to the user Row proof of identity；The payment cipher of user's input is obtained, and proof of identity is carried out to the payment cipher；If receive server The verification success notification message returned according to the payment verification information, and the proof of identity is by then according to the payment Solicited message is paid.By increasing third party supervision mechanism in payment flow, payment request information is through third party supervision Person is paid after confirming, user can be prevented to be spoofed molecule and mislead progress consumption online by telecommunications or network, reduction disappears Take risk, ensure the property safety of user.

Referring to Fig. 8, Fig. 8 is a kind of schematic block diagram for terminal that second embodiment of the invention provides.The end of the present embodiment The each unit that end 8 includes is used to perform each step in embodiment corresponding to Fig. 8, referring specifically to real corresponding to Fig. 8 and Fig. 8 The associated description in example is applied, is not repeated herein.The terminal of the present embodiment includes：First acquisition unit 810, the first transmitting element 820th, the first proof of identity unit 830, second acquisition unit 840, the second transmitting element 850, receiving unit the 860, the 3rd obtain Unit 870, the second proof of identity unit 880 and payment unit 890.

First acquisition unit 810 is used to obtain payment request information；Wherein, the payment request information is paid a bill including branch Family, collecting account and the amount of money to be paid.

First transmitting element 820, which is used for the third party supervision account transmission payment verification according to corresponding to the payment account, asks Ask；Wherein, the payment verification asks to be used to ask user corresponding to the third party supervision account to input payment verification information； The payment verification information is used for server and carries out proof of identity to the user；

First proof of identity unit 830 is used for the payment cipher for obtaining user's input, and carries out body to the payment cipher Part verification.

Second acquisition unit 840 is used to obtain risk checking information to be identified；Wherein, the safety verification to be identified Information includes following at least one：Conversation number, send number and net purchase chained address corresponding to information.

Second transmitting element 850, which is used to send the risk checking information to be identified to the server, carries out risk Checking.

Receiving unit 860 is used to receive the prompting for being used to represent to have risk of fraud from the third party supervision account Information, or receive the merchandise news that the server pushes in the risk checking information authentication failed；Wherein, the prompting Information is sent by the second terminal when receiving the authentication failed notification message that the server is sent.

Alternatively, the 3rd acquiring unit 870 is used for the payment angle of inclination for obtaining terminal；Wherein, the payment inclination angle Spend and the inclination angle corresponding to payment cipher is inputted for the user.

Alternatively, the second proof of identity unit 880 is used for the predetermined inclination angle pair according to corresponding to the amount to be paid The payment angle of inclination carries out proof of identity.

If payment unit 890 disappears for receiving the verification success notification that server returns according to the payment verification information Breath, and the proof of identity according to the payment request information by then being paid.

Further, when terminal also includes, when the 3rd acquiring unit 870 and the second proof of identity unit 880, paying bill Member 890 is specifically used for：If the verification success notification message that server returns according to the payment verification information is received, and to institute State payment cipher and payment angle of inclination verification passes through, then paid according to the payment request information.

Referring to Fig. 9, Fig. 9 is a kind of schematic block diagram for terminal that third embodiment of the invention provides.The end of the present embodiment The each unit that end 9 includes is used to perform each step in embodiment corresponding to Fig. 4, referring specifically to real corresponding to Fig. 4 and Fig. 4 The associated description in example is applied, is not repeated herein.The terminal of the present embodiment includes：Receiving unit 910, acquiring unit 920 and hair Send unit 930.

Receiving unit 910 is used for the payment verification request for receiving first terminal transmission.

Acquiring unit 920 is used to obtain payment verification information；Wherein, the payment verification information of transmission carries third party Account is supervised, the payment verification information is used for the server and carries out proof of identity, the third party supervision to this end subscriber Account is used for server payment accounts according to corresponding to the third party supervision account and sends the payment verification information pair The result answered.

Transmitting element 930 is used to send the payment verification information to the server.

Referring to Figure 10, Figure 10 is a kind of schematic block diagram for server that first embodiment of the invention provides.The present embodiment The each unit that includes of server 10 be used to perform each step in embodiment corresponding to Fig. 5, referring specifically to Fig. 5 and Fig. 5 Associated description in corresponding embodiment, is not repeated herein.The terminal of the present embodiment includes：Acquiring unit 1010, verification unit 1020 and first notification unit 1030.

Acquiring unit 1010 is used to obtain payment verification information corresponding to third party supervision account；Wherein, the payment is tested Information user as corresponding to the third party supervision account is demonstrate,proved to input when getting the payment verification request of first terminal transmission, And sent by second terminal；The payment verification information carries the third party supervision account；The third party supervision account For the server, the payment accounts according to corresponding to the third party supervision account are sent corresponding to the payment verification information The result.

Verification unit 1020 be used for according to corresponding to the third party supervision account benchmark payment verification information to the branch Checking information is paid to be verified.

If the first notification unit 1030 is used for the payment verification information checking by being sent to the first terminal Verify success notification message.

Referring to Figure 11, Figure 11 is a kind of schematic block diagram for server that second embodiment of the invention provides.The present embodiment The each unit that includes of server 11 be used to perform each step in embodiment corresponding to Fig. 6, referring specifically to Fig. 6 and Fig. 6 Associated description in corresponding embodiment, is not repeated herein.The terminal of the present embodiment includes：Acquiring unit 1110, verification unit 1120th, the first notification unit 1130, the second receiving unit 1140, the notification unit 1160 of searching unit 1150 and second.

Alternatively, verification unit 1020 is specifically used for：

Obtain the amount of money to be paid that payment verification packet contains；

Matching degree is verified according to corresponding to the amount of money to be paid determines the payment verification information；

Determine corresponding to the third party supervision account between benchmark payment verification information and the payment verification information First matching degree, and the payment verification information is verified according to first matching degree and the verification matching degree；

Wherein, if first matching degree is more than or equal to the verification matching degree, check results are tested for the payment Card information checking passes through；If first matching degree is less than the verification matching degree, check results are believed for the payment verification Breath verification failure.

Second receiving unit 1140 is used to receive the risk checking information to be identified that the first terminal is sent；

Searching unit 1150 is used to search the target matched with the risk checking information from default vulnerability database Data；

If the second notification unit 1160 be used for do not find the target data, to the first terminal send checking into Work(notification message, the notification message that is proved to be successful are used to prompt user's input payment corresponding to the third party supervision account to test Information is demonstrate,proved, to notify acquiring unit 1010 to obtain payment verification information corresponding to third party supervision account；If find the mesh Data are marked, then early warning information are sent according to the third party supervision account or preset number；Wherein, the early warning letter Cease for prompting the target data risk of fraud to be present.

Referring to Figure 12, Figure 12 is a kind of terminal schematic block diagram that fourth embodiment of the invention provides.This reality as depicted The terminal 12 applied in example can include：One or more processors 1201；One or more input equipments 1202, it is one or more Output equipment 1203 and memory 1204.Above-mentioned processor 1201, input equipment 1202, output equipment 1203 and memory 1204 Connected by bus 1205.Memory 1204 is used to store computer program, and the computer program includes programmed instruction, processing Device 1201 is used for the programmed instruction for performing the storage of memory 1204.Wherein, processor 1201 is arranged to call described program Instruction performs：

Obtain payment request information；Wherein, the payment request information includes payment account, collecting account and to be paid The amount of money；

Payment verification request is sent according to third party supervision account corresponding to the payment account；Wherein, the payment is tested Card request is used to ask user corresponding to the third party supervision account to input payment verification information；The payment verification information is used Proof of identity is carried out to the user in server；

Alternatively, after payment request information is obtained, processor 1201 is additionally operable to：

Risk checking information to be identified is obtained, and the risk checking information to be identified is sent to the server Carry out risk checking；Wherein, the secure authentication information to be identified includes following at least one：Conversation number, send information Corresponding number and net purchase chained address；

Receive and be used to represent the prompt message with risk of fraud from the third party supervision account, or described in reception The merchandise news that server pushes in the risk checking information authentication failed；Wherein, the prompt message is by described second Terminal is sent when receiving the authentication failed notification message that the server is sent.

Alternatively, processor 501 also particularly useful for：Obtain the payment angle of inclination of terminal；Wherein, the payment inclination angle Spend and the angle of inclination corresponding to payment cipher is inputted for the user；According to predetermined inclination angle corresponding to the amount to be paid Proof of identity is carried out to the payment angle of inclination；If receive server according to the verification that the payment verification information returns into Work(notification message, and the payment cipher and payment angle of inclination verification are passed through, then pay request letter according to described Breath is paid.

It should be appreciated that in embodiments of the present invention, alleged processor 1201 can be CPU (Central Processing Unit, CPU), the processor can also be other general processors, digital signal processor (Digital Signal Processor, DSP), application specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other FPGAs Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at It can also be any conventional processor etc. to manage device.

Input equipment 1202 can include Trackpad, fingerprint adopts sensor and (is used for the finger print information and fingerprint for gathering user Directional information), microphone etc., output equipment 1203 can include display (LCD etc.), loudspeaker etc..

The memory 1204 can include read-only storage and random access memory, and provide instruction to processor 1201 And data.The a part of of memory 1204 can also include nonvolatile RAM.For example, memory 1204 may be used also With the information of storage device type.

In the specific implementation, processor 1201, input equipment 1202, output equipment 1203 described in the embodiment of the present invention The implementation described in the first embodiment and second embodiment of method of payment provided in an embodiment of the present invention is can perform, The implementation of terminal described by the executable embodiment of the present invention, will not be repeated here.

Further, a kind of computer-readable recording medium, the computer are provided in another embodiment of the invention Readable storage medium storing program for executing is stored with computer program, and the computer program includes programmed instruction, and described program is instructed by processor Realized during execution：

Alternatively, after the acquisition payment request information, the computer program specifically may be used when being executed by processor To realize：

Alternatively, can also specifically be realized when the computer program is executed by processor：According to the default male Lexical item collection and the default women lexical item collection establish sex Calculating model；According to the sex Calculating model and described treat The lexical item collection of identification determines the gender information of the user.

Alternatively, can also be realized when the computer program is executed by processor：

Obtain the payment angle of inclination of terminal；Wherein, the payment angle of inclination inputs payment cipher institute for the user Corresponding angle of inclination；

Proof of identity is carried out to the payment angle of inclination according to predetermined inclination angle corresponding to the amount to be paid；

If the verification success notification message for receiving server and being returned according to the payment verification information, and the body Part verification passes through, then is paid according to the payment request information, including：

If the verification success notification message that server returns according to the payment verification information is received, and to the payment Password and payment angle of inclination verification pass through, then are paid according to the payment request information.

Alternatively, can also be implemented when the computer program is executed by processor：If detect described to be paid The amount of money is more than or equal to the default amount threshold value, then the third party supervision account according to corresponding to the payment account, which is sent, pays Checking request.

The computer-readable recording medium can be the internal storage unit of the terminal 12 described in foregoing any embodiment, Such as the hard disk or internal memory of terminal.The computer-readable recording medium can also be the External memory equipment of the terminal, example Such as the plug-in type hard disk being equipped with the terminal, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, the computer-readable recording medium can also be wrapped both Including the internal storage unit of the terminal also includes External memory equipment.The computer-readable recording medium is described for storing Other programs and data needed for computer program and the terminal.The computer-readable recording medium can be also used for temporarily When store the data that has exported or will export.

Referring to Figure 13, Figure 13 is a kind of terminal schematic block diagram that fifth embodiment of the invention provides.This reality as depicted The terminal 13 applied in example can include：One or more processors 1301；One or more input equipments 1302, it is one or more Output equipment 1303 and memory 1304.Above-mentioned processor 1301, input equipment 1302, output equipment 1303 and memory 1304 Connected by bus 1305.Memory 1304 is used to store computer program, and the computer program includes programmed instruction, processing Device 1301 is used for the programmed instruction for performing the storage of memory 1304.Wherein, processor 1301 is arranged to call described program Instruction performs：

Receive the payment verification request that first terminal is sent；Payment verification information is obtained, and by the payment verification information Send to the server；Wherein, the payment verification information of transmission carries third party supervision account, the payment verification letter Cease and proof of identity is carried out to this end subscriber for the server, the third party supervision account is used for the server according to institute State payment accounts corresponding to third party supervision account and send the result corresponding to the payment verification information.

It should be appreciated that in embodiments of the present invention, alleged processor 1301 can be CPU (Central Processing Unit, CPU), the processor can also be other general processors, digital signal processor (Digital Signal Processor, DSP), application specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other FPGAs Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at It can also be any conventional processor etc. to manage device.

Input equipment 1302 can include Trackpad, fingerprint adopts sensor and (is used for the finger print information and fingerprint for gathering user Directional information), microphone etc., output equipment 1303 can include display (LCD etc.), loudspeaker etc..

The memory 1304 can include read-only storage and random access memory, and provide instruction to processor 1301 And data.The a part of of memory 1304 can also include nonvolatile RAM.For example, memory 1304 may be used also With the information of storage device type.

In the specific implementation, processor 1301, input equipment 1302, output equipment 1303 described in the embodiment of the present invention The implementation described in the 3rd embodiment of method of payment provided in an embodiment of the present invention is can perform, also can perform the present invention The implementation of terminal described by embodiment, will not be repeated here.

The computer-readable recording medium can be the internal storage unit of the terminal 13 described in foregoing any embodiment, Such as the hard disk or internal memory of terminal.The computer-readable recording medium can also be the External memory equipment of the terminal, example Such as the plug-in type hard disk being equipped with the terminal, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, the computer-readable recording medium can also be wrapped both Including the internal storage unit of the terminal also includes External memory equipment.The computer-readable recording medium is described for storing Other programs and data needed for computer program and the terminal.The computer-readable recording medium can be also used for temporarily When store the data that has exported or will export.

Referring to Figure 14, Figure 14 is a kind of server schematic block diagram that third embodiment of the invention provides.As depicted originally Server 14 in embodiment can include：One or more processors 1401；One or more input equipments 1402, one or Multiple output equipments 1403 and memory 1404.Above-mentioned processor 1401, input equipment 1402, output equipment 1403 and memory 1404 are connected by bus 1405.Memory 1404 is used to store computer program, and the computer program includes programmed instruction, Processor 1401 is used for the programmed instruction for performing the storage of memory 1404.Wherein, processor 1401 is arranged to described in calling Programmed instruction performs：

Obtain payment verification information corresponding to third party supervision account；Wherein, the payment verification information is by the described 3rd User corresponding to side's supervision account inputs when getting the payment verification request of first terminal transmission, and is sent out by second terminal Send；The payment verification information carries the third party supervision account；The third party supervision account is used for the server root The result corresponding to the payment verification information is sent according to payment accounts corresponding to the third party supervision account；

Alternatively, processor 1401 is additionally operable to：

Receive the risk checking information to be identified that the first terminal is sent；From default vulnerability database search with The target data of the risk checking information matching；

If not finding the target data, sent to the first terminal and be proved to be successful notification message, the checking Success notification message is used to prompt user corresponding to the third party supervision account to input payment verification information；

If finding the target data, early warning letter is sent according to the third party supervision account or preset number Breath；Wherein, the early warning information is used to prompt the target data risk of fraud to be present.

Alternatively, processor 1401 also particularly useful for：Obtain the amount of money to be paid that payment verification packet contains；

It should be appreciated that in embodiments of the present invention, alleged processor 1401 can be CPU (Central Processing Unit, CPU), the processor can also be other general processors, digital signal processor (Digital Signal Processor, DSP), application specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other FPGAs Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at It can also be any conventional processor etc. to manage device.

Input equipment 1402 can include Trackpad, fingerprint adopts sensor and (is used for the finger print information and fingerprint for gathering user Directional information), microphone etc., output equipment 1403 can include display (LCD etc.), loudspeaker etc..

The memory 1404 can include read-only storage and random access memory, and provide instruction to processor 1401 And data.The a part of of memory 1404 can also include nonvolatile RAM.For example, memory 1404 may be used also With the information of storage device type.

In the specific implementation, processor 1401, input equipment 1402, output equipment 1403 described in the embodiment of the present invention The implementation described in the fourth embodiment and the 5th embodiment of method of payment provided in an embodiment of the present invention is can perform, The implementation of terminal described by the executable embodiment of the present invention, will not be repeated here.

Alternatively, can specifically be realized when the computer program is executed by processor：

Receive the risk checking information to be identified that the first terminal is sent；

The target data matched with the risk checking information is searched from default vulnerability database；

Alternatively, can specifically be realized when the computer program is executed by processor：Payment verification packet is obtained to contain The amount of money to be paid；

The computer-readable recording medium can be the storage inside list of the server 14 described in foregoing any embodiment Member, such as the hard disk or internal memory of server.The computer-readable recording medium can also be the external storage of the server The plug-in type hard disk being equipped with equipment, such as the server, intelligent memory card (Smart Media Card, SMC), safe number Word (Secure Digital, SD) blocks, flash card (Flash Card) etc..Further, the computer-readable recording medium The internal storage unit of the server can also both be included or including External memory equipment.The computer-readable recording medium For storing the computer program and other programs and data needed for the terminal.The computer-readable recording medium It can be also used for temporarily storing the data that has exported or will export.

Those of ordinary skill in the art are it is to be appreciated that the list of each example described with reference to the embodiments described herein Member and algorithm steps, it can be realized with electronic hardware, computer software or the combination of the two, in order to clearly demonstrate hardware With the interchangeability of software, the composition and step of each example are generally described according to function in the above description.This A little functions are performed with hardware or software mode actually, application-specific and design constraint depending on technical scheme.Specially Industry technical staff can realize described function using distinct methods to each specific application, but this realization should not Think beyond the scope of this invention.

It is apparent to those skilled in the art that for convenience of description and succinctly, the end of foregoing description End and the specific work process of unit, may be referred to the corresponding process in preceding method embodiment, will not be repeated here.

In several embodiments provided herein, it should be understood that disclosed terminal and method, it can be passed through Its mode is realized.For example, device embodiment described above is only schematical, for example, the division of the unit, only Only a kind of division of logic function, there can be other dividing mode when actually realizing, such as multiple units or component can be tied Another system is closed or is desirably integrated into, or some features can be ignored, or do not perform.In addition, shown or discussed phase Coupling or direct-coupling or communication connection between mutually can be INDIRECT COUPLING or the communication by some interfaces, device or unit Connection or electricity, the connection of mechanical or other forms.

The unit illustrated as separating component can be or may not be physically separate, show as unit The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple On NE.Some or all of unit therein can be selected to realize scheme of the embodiment of the present invention according to the actual needs Purpose.

In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also It is that unit is individually physically present or two or more units are integrated in a unit.It is above-mentioned integrated Unit can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.

If the integrated unit is realized in the form of SFU software functional unit and is used as independent production marketing or use When, it can be stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially The part to be contributed in other words to prior art, or all or part of the technical scheme can be in the form of software product Embody, the computer software product is stored in a storage medium, including some instructions are causing a computer Equipment (can be personal computer, server, or network equipment etc.) performs the complete of each embodiment methods described of the present invention Portion or part steps.And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can store journey The medium of sequence code.

The foregoing is only a specific embodiment of the invention, but protection scope of the present invention is not limited thereto, any Those familiar with the art the invention discloses technical scope in, various equivalent modifications can be readily occurred in or replaced Change, these modifications or substitutions should be all included within the scope of the present invention.Therefore, protection scope of the present invention should be with right It is required that protection domain be defined.

Claims

A kind of 1. method of payment, it is characterised in that including：

Obtain payment request information；

Payment verification request is sent according to third party supervision account corresponding to the payment account；

The payment cipher of user's input is obtained, and proof of identity is carried out to the payment cipher；

If the verification success notification message that server returns according to the payment verification information is received, and the proof of identity is led to Cross, then paid according to the payment request information.
2. according to the method for claim 1, it is characterised in that

The payment request information includes payment account, collecting account and the amount of money to be paid；

The payment verification asks to be used to ask user corresponding to the third party supervision account to input payment verification information；It is described Payment verification information is used for server and carries out proof of identity to the user.
3. method of payment according to claim 1, it is characterised in that it is described acquisition payment request information after, it is described Line branch, which is repaid, to be included：

Risk checking information to be identified is obtained, and the risk checking information to be identified is sent to the server and carried out Risk is verified；Wherein, the secure authentication information to be identified includes following at least one：Conversation number, transmission information are corresponding Number and net purchase chained address；

Receive and be used to represent the prompt message with risk of fraud from the third party supervision account, or receive the service The merchandise news that device pushes in the risk checking information authentication failed；Wherein, the prompt message is by the second terminal Sent when receiving the authentication failed notification message that the server is sent.
4. according to the method described in claim 1-3 any one, it is characterised in that the method for payment also includes：

Obtain the payment angle of inclination of terminal；Wherein, the payment angle of inclination is that the user is inputted corresponding to payment cipher Angle of inclination；

Proof of identity is carried out to the payment angle of inclination according to predetermined inclination angle corresponding to the amount to be paid；

If the verification success notification message for receiving server and being returned according to the payment verification information, and the identity school Test by, then paid according to the payment request information, including：

If the verification success notification message that server returns according to the payment verification information is received, and to the payment cipher And payment angle of inclination verification passes through, then is paid according to the payment request information.
5. method of payment according to claim 4, it is characterised in that the third party according to corresponding to the payment account Supervise account and send payment verification request, including：

If detecting, the amount of money to be paid is more than or equal to the default amount threshold value, according to corresponding to the payment account Third party supervision account sends payment verification request.
A kind of 6. method of payment, it is characterised in that including：

Obtain payment verification information corresponding to third party supervision account；Wherein,

The payment verification information is verified according to benchmark payment verification information corresponding to the third party supervision account；

If to the payment verification information checking by sending verification success notification message to the first terminal.
7. according to the method for claim 6, it is characterised in that

Payment verification information user as corresponding to the third party supervision account is getting the payment of first terminal transmission Input during checking request, and sent by second terminal；The payment verification information carries the third party supervision account；It is described Third party supervision account is used for server payment accounts according to corresponding to the third party supervision account and sends the payment The result corresponding to checking information.
8. method of payment according to claim 7, it is characterised in that the method for payment also includes：

Receive the risk checking information to be identified that the first terminal is sent；

The target data matched with the risk checking information is searched from default vulnerability database；

If not finding the target data, sent to the first terminal and be proved to be successful notification message, it is described to be proved to be successful Notification message is used to prompt user corresponding to the third party supervision account to input payment verification information；

If finding the target data, early warning information is sent according to the third party supervision account or preset number； Wherein, the early warning information is used to prompt the target data risk of fraud to be present.
9. according to the method for payment described in claim 6-8 any one, it is characterised in that described according to the third party supervision Benchmark payment verification information corresponding to account verifies to the payment verification information, including：

Obtain the amount of money to be paid that payment verification packet contains；

Matching degree is verified according to corresponding to the amount of money to be paid determines the payment verification information；

Determine first corresponding to the third party supervision account between benchmark payment verification information and the payment verification information Matching degree, and the payment verification information is verified according to first matching degree and the verification matching degree；

Wherein, if first matching degree is more than or equal to the verification matching degree, check results are believed for the payment verification Breath verification passes through；If first matching degree is less than the verification matching degree, check results are the payment verification information school Test failure.
A kind of 10. method of payment, it is characterised in that including：

The payment verification that first terminal is sent by server is received to ask；

Payment verification information is obtained, and the payment verification information is sent to the server.
11. according to the method for claim 10, it is characterised in that

The payment verification information carries third party supervision account, and the payment verification information is used for the server and local terminal is used Family carries out proof of identity, and the third party supervision account is propped up for the server according to corresponding to the third party supervision account The number of paying a bill sends the result corresponding to the payment verification information.
A kind of 12. terminal, it is characterised in that including：

For performing the unit of the method as described in any one of claim 1-5 claim.
A kind of 13. server, it is characterised in that including：

For performing the unit of the method as described in any one of claim 6-9 claim.
A kind of 14. terminal, it is characterised in that including：

For performing the unit of the method as described in claim 10 or 11.
15. a kind of terminal, it is characterised in that the processor, defeated including processor, input equipment, output equipment and memory Enter equipment, output equipment and memory to be connected with each other, wherein, the memory is used to store computer program, the computer Program includes programmed instruction, and the processor is arranged to call described program instruction, performed such as any one of claim 1-5 Methods described.
A kind of 16. computer-readable recording medium, it is characterised in that the computer-readable storage medium is stored with computer program, The computer program includes programmed instruction, and described program instruction makes the computing device such as right when being executed by a processor It is required that any one of 1-5 methods described.
A kind of 17. server, it is characterised in that including processor, input equipment, output equipment and memory, the processor, Input equipment, output equipment and memory are connected with each other, wherein, the memory is used to store computer program, the calculating Machine program includes programmed instruction, and the processor is arranged to call described program instruction, performed as claim 6-9 is any The methods described of item.
A kind of 18. computer-readable recording medium, it is characterised in that the computer-readable storage medium is stored with computer program, The computer program includes programmed instruction, and described program instruction makes the computing device such as right when being executed by a processor It is required that any one of 6-9 methods described.
19. a kind of terminal, it is characterised in that the processor, defeated including processor, input equipment, output equipment and memory Enter equipment, output equipment and memory to be connected with each other, wherein, the memory is used to store computer program, the computer Program includes programmed instruction, and the processor is arranged to call described program instruction, performed such as claim 10 or 11 Methods described.
A kind of 20. computer-readable recording medium, it is characterised in that the computer-readable storage medium is stored with computer program, The computer program includes programmed instruction, and described program instruction makes the computing device such as right when being executed by a processor It is required that 10 or 11 methods described.